Traditions Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 4.2% from Q1 2026 to Q2 2026, ending at $676.5M against $649.2M. It was the largest change among the key lines on this page. Within Alabama, Traditions Bank is 20th of 36 on CET1 ratio, 13.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Traditions Bank sits 1.47 points lower, at 13.60% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.60% |
| Tier 1 risk-based capital ratio | 13.60% |
| Total risk-based capital ratio | 14.85% |
| Tier 1 leverage ratio | 10.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $92.0M |
| Tier 1 capital | $92.0M |
| Total risk-based capital | $100.5M |
| Total equity capital | $91.1M |
| Risk-weighted assets | $676.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.23% |
| Tangible equity to tangible assets | 10.23% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | 9.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9K |
| Common stock surplus | $24.1M |
| Retained earnings | $67.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$888K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.04% | 12.04% | 13.29% | 9.26% | $533.1M |
| Q4 2023 | 11.99% | 11.99% | 13.24% | 9.13% | $547.6M |
| Q1 2024 | 12.12% | 12.12% | 13.38% | 9.36% | $569.2M |
| Q2 2024 | 12.46% | 12.46% | 13.71% | 9.33% | $577.2M |
| Q3 2024 | 12.90% | 12.90% | 14.16% | 9.37% | $579.6M |
| Q4 2024 | 13.22% | 13.22% | 14.47% | 9.48% | $582.0M |
| Q1 2025 | 13.45% | 13.45% | 14.70% | 9.92% | $595.6M |
| Q2 2025 | 13.11% | 13.11% | 14.37% | 9.87% | $623.2M |
| Q3 2025 | 12.97% | 12.97% | 14.23% | 9.85% | $642.5M |
| Q4 2025 | 13.22% | 13.22% | 14.48% | 10.03% | $655.6M |
| Q1 2026 | 13.79% | 13.79% | 15.04% | 10.32% | $649.2M |
| Q2 2026 | 13.60% | 13.60% | 14.85% | 10.50% | $676.5M |
Traditions Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57554) · FFIEC NIC profile (RSSD 3194692)